Required Minimum Distributions (RMDs): Rules & Calculator
When you must start withdrawing and how to minimize the tax impact
Required Minimum Distributions force you to withdraw from your Traditional 401(k) starting at age 73 (or 75 if born 1960+). Roth 401(k) accounts are exempt from RMDs starting 2024 under SECURE 2.0.
RMD Start Ages
- Born 1951-1959: RMDs begin at age 73
- Born 1960 or later: RMDs begin at age 75
- Still working exception: Delay RMDs from current employer plan if still employed